<?xml version="1.0" encoding="UTF-8"?><GPay><Header><ActivityCode>013024</ActivityCode><ReqSys>${(reqSys)!}</ReqSys><ReqDate>${(reqDate)!}</ReqDate><ReqTransID>${(reqTransId)!}</ReqTransID><ReqDateTime>${(reqDateTime)!}</ReqDateTime><ActionCode>1</ActionCode><RcvSys>${(rcvSys)!}</RcvSys><RcvDate>${(rcvDate)!}</RcvDate><RcvTransID>${(upayTransId)!}</RcvTransID><RcvDateTime>${(rcvDateTime)!}</RcvDateTime><RspCode>${(rspCode)!}</RspCode><RspDesc>${(rspDesc)!}</RspDesc></Header><Body></Body><Sign><SignFlag></SignFlag><CerID></CerID><SignValue></SignValue></Sign></GPay>